(NewsUSA) - Owning a home is a huge investment, and once they've owned long enough to build up equity, many homeowners opt to leverage the equity for other uses. But if you're on the fence about taking on another monthly loan payment, an option that may be right for you is co-investing.<br /> <br /> With a home equity loan, you borrow against the equity in your home and receive a lump sum of money that you have to pay back each month over a specified term - commonly 15 years. The interest rate is usually fixed, but is typically higher than your primary mortgage.<br /> <br /> Co-investing offers an alternative to traditional home equity loans. In a nutshell, the co-investing company pays the homeowner an upfront amount, with no repayments for a set number of years, or until the home is sold, whichever comes first. There may also be an option to buy the company out, after a minimum restriction period passes. This option can be ideal for a homeowner who wants access to cash without the added financial burden of monthly loan payments, who has lived in a home long enough to build up some equity, and plans to stay at least another five years.<br /> <br /> Unison, a San-Francisco-based real estate company, is a leader in the growing field of co-investment. Unison offers homeowners a cash payment of up to 17.5 percent of their home's current market value. When the house is sold or 30 years pass, the owner pays Unison an amount equal to the initial co-investment, plus (or minus) a percentage of the home's appreciated (or depreciated) value.<br /> <br /> Here's an example: A homeowner whose home is currently worth $500,000 and who needed $25,000 in cash (5 percent of the home's value) would repay an amount equal to $25,000 plus 25 percent* of the amount the house appreciates in value during the time of the co-investment. With a larger co-investment, the company receives a larger share of the appreciation in value.<br /> <br /> Homeowners can use their cash for anything, but Unison recommends something of long-term value, such as kids' college tuition, medical expenses, home remodeling, or investing in diverse stocks and bonds.<br /> <br /> Other benefits of co-investing: Keeping gains from remodeling work and keeping the equity built from prompt mortgage payments.<br /> <br /> Being a good candidate for homeowner co-investing is not so different from being a good homeowner generally. Unison requires that homeowners keep the home as their primary residence; stay current on payments for mortgages, property tax, and homeowners' insurance; keep the home well-maintained to retain and increase value; and keep Unison informed of issues, such as remodeling plans or emergencies, such as natural disasters, bankruptcy, or plans to sell the home.<br /> <br /> To find out how Unison can help you get the most out of homeownership, visit unison.com.<br /> <br /> *This is a possible percentage for illustrative purposes. The actual percentage varies based on the specific HomeOwner transaction.<br /> <br /> Ref: Housework - in Blogs

(NewsUSA) - Three square meals a day are a thing of the past. Busy schedules, diverse dietary preferences and the flow of modern life necessitate more flexible and convenient meals. Luckily, snacking is in the midst of a revolution. Traditional snacks like chips and pretzels have given way to bigger, better and healthier options that deliver both convenience and nutrition in one tasty package. Whether clean-label, organic, vegan or nutrient-added, it's up to ingredient suppliers and manufacturers to develop products that meet all of these demands. That's certainly a tall order.<br /> <br /> While there are no standard requirements for clean label snacks, naturally derived gums, hydrocolloids and colors are generally accepted in such applications and have become increasingly popular. You might see these ingredients listed as carrageenan, a soluble fiber from red seaweed, or cellulose gel, which is a refined plant fiber. In many foods and beverages, these ingredients improve shelf life and nutritional value without diminishing taste -- like giving drinkable low-fat yogurt that distinctive creamy consistency with every sip.<br /> <br /> They also prove quite functional in products that meet strict dietary requirements, like gluten-free and vegetarian options. Hydrocolloids and gums like carrageenan, alginates and cellulose gel can be sustainably sourced from nature and are perfectly suited for vegetarian and vegan foods. Either by improving the flavor and fullness of meatless sausage or producing non-dairy ice cream with that definitive indulgence and delectability, these ingredients are making new snacking options both possible and palatable.<br /> <br /> Reducing the number of ingredients in a recipe is one challenge and, more recently, adding ingredients has become another. We want foods and beverages with added value, but it's important to understand that introducing vitamins or nutrients to any product can significantly affect flavor and texture. Enriched, shelf-stable snacks that boast added protein need a stabilizer to maintain the quality of the product. Without the added ingredients like carrageenan, similar products might separate, taste chalky or be less effective than their claims imply.<br /> <br /> Food companies are adapting their product formulations and rolling out new products to meet demand for healthy snacking solutions. Naturally derived ingredients that help reduce fat and sugar content but maintain product integrity are changing the way we snack. They deliver that indulgent experience we all appreciate. For more information on ingredients that give us a variety of snacks for a wide range of diets, please visit www.FoodScienceMatters.com.<br /> <br /> Ref: Cooking - in Blogs

(NewsUSA) - You probably don't think much about the fate of old, worn-out uniforms from restaurants, stores, healthcare facilities, sports teams, and other industries. But the fact is that many end up in landfills. However, one company is doing its part to lessen this carbon footprint by repurposing these old uniforms into new.<br /> <br /> Eco Tek 360, a forward-thinking fiber technology company and a division of Global Fiber Technologies, Inc. a public company, (GFTX), has developed a proprietary technology that removes the fibers from fabrics that have reached the end of their useful life cycle. The fibers are extracted from a landfill-destined garment and used to create yarn, make new fabric, and then get sewn into fabric which is turned into "rejuvenated" uniforms. Each time the uniform comes back to the client, the process creates a true circular economy and reduces carbon footprints.<br /> <br /> "It takes between 500 to 700 gallons of water to grow one pound of cotton and Eco Tek 360 can help save billions of gallons each year through utilization of its patent- pending process," says Chris Giordano, president and co-chairman of Global Fiber Technologies.<br /> <br /> "We will take corporate uniforms at the end of their useful life that would otherwise head for disposal and re-purpose them back to the same company as sustainable, high quality uniforms for their employees," says Giordano.<br /> <br /> "Our primary raw material is sourced from uniforms being disposed of by our corporate clients, allowing us to be competitive on price," says Paul Serbiak Global's CEO.<br /> <br /> There are three steps to the ECOTEK process:<br /> <br /> - Recovery: Companies collect old uniforms and send them to Ecotek. Customers earn a credit towards new uniform purchases.<br /> <br /> - Rejuvenation: Rejuvenation is the heart of the Ecotek philosophy. The company uses a patented procedure to remove old fiber from fabric, restore it, and create new fabric. The rejuvenated fiber is soft, strong, and comfortable, and looks like new.<br /> <br /> - Re-creation: The fabric made from the rejuvenated fiber is then used to make new uniforms.<br /> <br /> "The entire process takes place in the USA, ensuring fair labor practices and extremely high quality standards," according to the company. Ecotek will offer customized design in large and small batches with quick turnaround times.<br /> <br /> Buying uniforms made with rejuvenated fibers not only saves water and energy, it saves money, and allows employees to feel proud and look great with options for customized style and sizing.<br /> <br /> Surveys show that a majority of entry-level employees prefer to work for an environmentally friendly company and more than half of consumers prefer to buy from companies with a green reputation.<br /> <br /> For more information about how your company can go greener and look great doing it, visit <a class="no-ajax" target='_blank' href="https://globalfibertechnologies.com/ecotek-360">https://globalfibertechnologies.com/ecotek-360</a><br /> <br /> Ref: Business - in Blogs

(NewsUSA) - As the calendar flips to another year, many employees will consider starting the new year on the hunt for a new job. In today's changing workforce, it is more important than ever for companies to realize that a salary alone is no longer enough to recruit or retain strong employees. According to a recent survey by Aflac, small businesses deserve a round of applause for their ability to keep employees happy. The report found that 85 percent of small-business employees are happy in their current job and more than half (51 percent) agree that most of or all of their happiness in their current job is because is a result of working for a small business.<br /> <br /> The keys to happiness<br /> <br /> Nearly a quarter of participants (23 percent) stated that the feeling of importance was the best part of working for a small business. Small businesses have the unique ability to make employees feel appreciated, respected and valued on a personal and professional level. In a small business environment, there are typically fewer layers between newcomers and leadership. This tight-knit structure of small businesses can create a family-like atmosphere that allows employees to feel that their opinions matter and that they play a significant role in the business's mission.<br /> <br /> Flexibility is also vital in creating employee happiness. According to the report, 30 percent of respondents noted that flexible scheduling was the best part of working for a small business. This can include working from home, leaving work early to play in a summer sports league or giving new parents an extra week of paid time off to help care for their newborn. A workplace that promotes healthy work-life balance can create happier, less stressed employees and can also increase employee productivity on the job.<br /> <br /> Unlocking improvements<br /> <br /> Although small businesses excel at keeping employees happy, there is always room for improvement. In a small-business community, money does not seem to be the only motivator. In fact, 65 percent of small-business employees indicate that an improvement in their benefits offerings would make them happier employees. By offering a robust benefits plan that includes voluntary benefits, small businesses can ensure that their employees are able to find the right benefits to meet their individual needs.<br /> <br /> Learn more at <a class="no-ajax" target='_blank' href="https://aflac.com/smallbusiness">https://aflac.com/smallbusiness</a><br /><br /> <br /> Ref: Business - in Blogs

(NewsUSA) - DigiTrax Entertainment, a pioneer in the music technology industry, brings its artificial intelligence (AI) expertise to the popular hip-hop segment.<br /> <br /> With the introduction of KR38R Beats, a unique AI product specifically geared to the hip-hop artist, DigiTrax recognizes the importance of hip-hop music and how it is a great fit for AI technology. The company has paired with Spotlite, a popular and established singing performance app, to create "Rapping with the Robot," a contest for aspiring hip-hop artists.<br /> <br /> The contest is scheduled to begin on Thanksgiving Day and end on New Year's Eve.<br /> <br /> Prizes include an all-expenses-paid recording session, with professional production and distribution across all major platforms.<br /> <br /> "We focused our AI on the most relevant segment of music in today's streaming economy," says Joe Vangieri, CEO of DigiTrax Entertainment.<br /> <br /> "Hip-hop beats comprise one out of every three streams, and generate billions in revenue."<br /> <br /> The KR38R Beats product is based on the Music Builder program, DigiTrax's unique and innovative technology that helps artists harness the power of artificial intelligence. Artists can feed ideas into the program, which then serves as a composing partner and allows them to create more songs more quickly.<br /> <br /> Spotlite is a free, direct-to-fan singing app designed to allow amateur and professional vocalists to sing original music, covers, and karaoke across all musical genres.<br /> <br /> "As a fan, you used to go out and buy CDs to support your favorite artist," says Juan Munoz, general manager of Spotlite Media.<br /> <br /> "With the change in how fans ingest content, Spotlite has not only allowed fans a new way to directly support their favorite artists, but the fans become the tastemakers. Through our contests, fans tell us who should truly be recognized for their talent," he explains.<br /> <br /> Other benefits of using artificial intelligence in creating original hip-hop music include greater profitability and protection for the users under copyright law.<br /> <br /> "Because we own both the publishing and the sound recording that our AI has written," Vangieri explains, "this gives us free reign to fully exploit both sides of a song - the publishing and the sound recording."<br /> <br /> DigiTrax plans to introduce several more contests in 2019 to showcase the way its technology is transforming how music is created and enjoyed.<br /> <br /> For more information about the company and its future business goals, go to digitraxentertainment.com.<br /> <br /> Ref: Bands - in Blogs

Beyond Ordinary Beaches: Solo Camping at Bukit Pengilon, Gunung Kidul, Yogyakarta<br /><br />Have you ever found yourself sitting idle, wondering where to go for your next adventure? The beach sounds appealing, but you want something different from the typical coastal experience. If this resonates with you, then you're in the same boat as I was, and I have the perfect solution to share.<br />Currently staying in Yogyakarta, I decided to explore one of the region's coastal gems. Yogyakarta is renowned for its stunning beaches, particularly in the Gunung Kidul area, which has undergone massive road infrastructure development in recent years. Access to Gunung Kidul from Yogyakarta city has become remarkably convenient and relatively quick. Among the coastal destinations in Gunung Kidul, my choice this time was Bukit Pengilon Beach.<br /><br />A Beach Unlike Any Other<br />Bukit Pengilon isn't your typical Gunung Kidul beach with pristine white sand perfect for water activities. Instead, it offers a breathtaking panorama of ocean views, coastal landscapes, rolling hills, and dramatic cliffs. The seascape from this vantage point is absolutely captivating, and I can confidently say that Bukit Pengilon ranks as the most beautiful beach in Yogyakarta. If you're visiting Yogya, you must experience this destination at least once.<br /><br />My Solo Camping Adventure<br />My beach getaway took place on May 30, 2025, and I planned an overnight camping trip to fully immerse myself in Bukit Pengilon's stunning scenery. This was a solo camping adventure, as none of my friends were available to join me at the time. I frequently embark on solo outdoor activities like camping because I genuinely enjoy the tranquility and peace that nature provides.<br /><br />Getting There<br />My journey began from Kaliurang, Sleman, Yogyakarta at 5:30 AM, arriving at Bukit Pengilon by 8:00 AM. The 2.5-hour drive passed smoothly despite moderate traffic conditions.<br /><br />Bukit Pengilon is accessible by both motorcycle and car, though cars cannot reach the main entrance directly. Car travelers must park at the designated area before the tourist site and either walk or hire local ojek (motorcycle taxi) services provided by village residents. The route from the parking area to the tourist site is quite challenging and steep, so motorcyclists should exercise caution.<br />Cost breakdown:<br /><br />Beach area entrance: IDR 8,000<br />Overnight motorcycle parking: IDR 10,000<br />Tourist site entry: IDR 2,000<br />Camping fee: IDR 20,000<br /><br />Optimal Visiting Times<br />The best times to visit Bukit Pengilon are during morning or late afternoon hours. Morning visits offer cooler sunlight and optimal lighting conditions for photography enthusiasts. As the sun climbs higher, temperatures can become uncomfortably hot for some visitors. Midday photography isn't ideal due to harsh lighting that diminishes the coastal panorama's visual impact.<br />If you have ample free time, consider staying until sunset, as the evening panorama is truly enchanting, especially by Yogyakarta standards.<br /><br />The Magic of Overnight Camping<br />For those with extended leisure time, I highly recommend experiencing this beach through overnight camping. Spending a full night at the coast proved surprisingly delightful and beautiful. You can enjoy your time while gazing at billions of stars overhead, accompanied by the rhythmic symphony of crashing waves.<br /><br />Stargazing Paradise<br />Astrophotography enthusiasts will find Bukit Pengilon an excellent choice for pursuing their passion. The starry panorama at Bukit Pengilon is absolutely magnificent. You can observe various stellar constellations including Scorpion, Ursa Major, and many others. Such pristine starry views are increasingly rare in Yogyakarta, particularly in urban areas where light pollution obscures celestial visibility.<br /><br />Why Bukit Pengilon Should Be Your Next Destination<br />After reading this account, I'm confident you'll be inspired to make this beach your next travel destination in Yogyakarta. Bukit Pengilon offers a unique coastal experience that transcends ordinary beach visits, combining natural beauty with adventure and tranquility.<br /><br />Whether you're seeking stunning photography opportunities, peaceful solitude, or an unforgettable stargazing experience, Bukit Pengilon delivers an extraordinary coastal adventure that will leave lasting memories.<br />Have you had similar experiences or questions about visiting Bukit Pengilon? Feel free to share your thoughts in the comments below!

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(NewsUSA) - More businesses and countries worldwide are embracing digital payments as a way to make e-commerce more efficient and create a smoother transaction experience for consumers.<br /> <br /> Digital wallets, such as uBUCK, offer a dollar-backed stable token built on Waves blockchain technology, one of the fastest blockchains available. uBUCK's technology allows for the management of both digital and traditional currency, and both online and offline purchasing power.<br /> <br /> "Piloted by an all-star management team, uBUCK is looking beyond carving out a niche to become a disruptive player in this ever-changing payments industry," according to the company's website.<br /> <br /> The uBUCK digital wallet allows for instant transfers of funds, and unlike some digital wallets, uBUCK is not limited to the United States. Transfers can occur globally, with no transfer fees and no cost to the end user.<br /> <br /> The elimination of transfer fees is one of uBUCK's strongest selling points, as it is an option for those who don't have traditional bank accounts, such as migrant workers looking to send money home, or for anyone else, such as parents sending money to kids at college who want to avoid the additional fees associated with some financial transfers.<br /> <br /> Users of uBUCK can transfer funds, make online purchases, or withdraw cash at an ATM, although reports on digital wallet use suggest that the expanded technology may ultimately replace the need for bank branches and ATMs.<br /> <br /> Sending money with uBUCK is a simple, four-step process:<br /> <br /> * Buy the voucher. Users download the uBUCK app and purchase a voucher.<br /> <br /> * Buy uBUCK cash. Users redeem a PIN to purchase uBUCK cash.<br /> <br /> * Select recipient. Users without a uBUCK account will be invited to the app via email.<br /> <br /> * Send payment. Users can then enter the payment amount, send, and confirm.<br /> <br /> "Our mission is to put honesty, transparency, and trust back into software," according to Ashik Karim, CEO of LiteLink Technologies, the parent company of uBUCK Technologies. LiteLink was recently featured in a Forbes magazine article, "10 Blockchain Companies to Watch in 2019."<br /> <br /> LiteLink is publicly traded on the Canadian Securities Exchange and OTC Markets. Their symbols are CSE:LLT and OTC:LLNKF.<br /> <br /> Ref: Apps - in Blogs

(NewsUSA) - Sponsored News - As we head into summer, it's important to find accessories that show off your style, while brightening up your wardrobe. Since summer brings an explosion of bold colors and vibrant patterns, this season's trends are no different.<br /> <br /> So pack away your dreary duds, your winter boots and clean out that closet to get yourself ready for some fun in the sun.<br /> <br /> Unsure of where to start? The following summer accessories are a must:<br /> <br /> * Slip into a dress. A slip dress is a simple, elegant base layer that can be dressed up with accessories and is a trend worth paying attention to. To get a high-fashion look, layer them with frilly undershirts and jumpers.<br /> <br /> * Fancy your footwear. If you're anything like Carrie Bradshaw, the best way to dress up an outfit is with a pair of wedge sandals. The right pair of wedges can glam up your look, make your legs look long, yet still allow you to move comfortably. If, however, you prefer shoes with little to no heel, you'll be happy to know that flat-flats are in (think ballet slippers and gladiator sandals.)<br /> <br /> * Go glam with glasses. Choosing eyewear that's not only stylish but functional can be difficult. Transitions lenses are great because they block 100 percent of the sun's harmful UV rays and are available in nearly all prescriptions. They also come in a variety of colors that complement your personal style and frame choice. With one pair of lenses, your eyes will feel comfortable indoors or out, in bright light, low light and everything in between.<br /> <br /> * Choose a hat. As important as it is to get some natural vitamin D, too much sun is bad for the skin. A floppy hat is a great accessory that lets you flaunt a style that fits your personality, get a little sun, but still protect yourself from harmful UV rays.<br /> <br /> * Grab a bag. A statement bag is the perfect way to enhance your look. When choosing the right purse for your outfit, think luxe fabrics, contrasting textures, and bright patterns. Pair with a great pair of glasses to pull off a celebrity look.<br /> <br /> For more information, please visit www.transitions.com. <br /> <br /> Ref: Fashion Women - in Blogs